2. PRASAC
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. MILAMDEC
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh
Data approved: 2013-03-25
Data version: 3
Age of data: 139 months
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Institution

Aakay ang MILAMDEC Microfinance Foundation, Inc #27 Dahlia StreetIlaya CarmenCagayan de Oro City, Misamis Oriental/Region X9000
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

Agricultural Production Loan (KHR) Product 2 of 9 « Prev | Next »

Product

Agricultural Loan Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers35,522
Loan Amount (range)KHR 300,000 - 200,000,000
Loan Term (range)4 - 48
Other Services (text summary)
Annual Interest & Method25.2%-39.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.5% - 34.8%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)26.5% - 32.4%
Transparency Index (min/max)52 - 100
Transparency Index (average)83

Product Summary

967
PHP 20,000 - 60,000
6 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
20.0% annual, Flat
2.00% upfront 1.00% upfront
150.00 upfront 6.00% upfront
None
30.0% upfront 30.00% ongoing
 
N/A
56.6% (Int+Fee)
1.2% - 24.4%
0
111.6% - 113.9%
12 - 24
18

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 159,959,000,000
Portfolio (USD)USD 40,495,949.37
Active Clients with Loans35,522
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Clients can borrow agriculture loans up to 200,000,000 KHR with maximum loan term 48 months. The clients can repay at the end of the term or declining balance based on their cash flow.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 13,000,000
Portfolio (USD)USD 311,004.78
Active Clients with Loans967
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
Intended for 1st Class Member's Husband with agricultural lands.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 300,000
Maximum loan size200,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,00020%
KHR 3,500,000-6,000,00020%
KHR 6,000,000-8,000,00015%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term48.0 months
Approx average14.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months60%
Between 13 and 18 months5%
Longer than 18 months30%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 20,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.10%
Highest quoted nominal interest3.25%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeNotarial Fee
% of loan amount - min2.00%1.00%
% of loan amount - max2.00%1.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionMILAMDEC Tibod Mutual BenefitsCrop Insurance
% of loan amount - min06.00%
% of loan amount - max06.00%
OR, Fixed amount - min1500
Fixed amount - max1500
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited30.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited30.00%
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agricultural Production Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 400,000KHR 500,000KHR 1,300,000KHR 2,400,000KHR 7,000,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-182013-01-032013-01-102012-08-072013-03-062013-03-14
Loan Term (Months)12.0 months12.0 months12.0 months24.0 months43.0 months24.0 months
Grace Period (Months)0.0 months5.0 months5.0 months3.0 months2.1 months5.1 months
Total Cost of CreditKHR 69,443KHR 118,300KHR 319,410KHR 915,641KHR 3,676,305KHR 4,012,800
True Price by Comp           
Interest price component32.4%31.2%32.4%32.4%27.7%26.5%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.4%31.2%32.4%32.4%27.7%26.5%
Transparency Index788178789195
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 30,000PHP 40,000PHP 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-08-252011-08-292011-08-25
Loan Term (Months)5.0 months5.0 months5.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component56.6%56.6%56.6%
Insurance Component21.2%19.9%19.8%
Tax Component0.0%0.0%0.0%
Deposit Component36.2%35.3%35.3%
Full APR (int fee ins tax dep)113.9%111.8%111.6%
Transparency Index181818
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agricultural Production Loan (KHR) Price Graphs


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Agricultural Loan Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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